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Investments vs Savings
Understand the differences and find the best option to help your money work harder.
Investment Savings
Long term (3+ years)
Stock market linked returns
Professionally managed portfolios
Higher risk for potential higher return
Capital at risk (value can decrease)
Exit tax of 38% deducted on gains, every 8 years
Savings Accounts
Short to medium term (1-3 years)
Low risk, low return
Earn fixed or variable rates
Easy access or fixed term
State Deposit Guarantee Scheme up to €100,000
DIRT of 33% deducted annually
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EXPERT TIP
Make your money work harder
Irish households currently have over €170 billion on deposit with the main Irish banks — a record high. But this money is not being put to good use, with most of it just resting in accounts earning little or no interest.
Your money should work as hard as you did to earn it. It’s quick and easy to open up a new savings account online, and there is now more choice than ever. If you have a longer-term savings goal, consider investing your money so that it has a better chance to grow and outpace inflation over time.
Daragh Cassidy
Consumer Expert at
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